visitor identificator
VIEWING: Personal

Second Chance Checking Account

Everybody deserves a second chance. Second Chance Checking can help get you back on the right track. Visit a branch near you, and let us review your check writing history to see if Second Chance Checking is right for you.

Online Banking Icon

Free Online Banking

Check your balances, view your transaction history, set budgets and more — all from your computer or smartphone.

BudgetWise Icon


View account balances, track budgets and more, all in one convenient place.

Debit Card Icon

Build Your History

Build your good check writing history and work towards a standard BancorpSouth checking account.(12)

  • Unlimited check writing privileges*
  • Standard Mastercard® Debit Card
  • Open an account with as little as a $50 minimum opening balance
Find a Branch Learn More
Email Icon Printer Icon
Features & Benefits

Features and Benefits

  • Enjoy unlimited check writing privileges with a standard monthly service charge*
  • Benefit from direct deposit and have your payroll, Social Security or other recurring incomes deposited straight into your checking account
  • Get a Standard Mastercard® Debit Card
  • Keep track of your finances with Online Statements(4)
  • Manage your accounts with Online Banking
  • Gain access to BudgetWi$e, our online budgeting tool
  • Enjoy free Mobile Banking(5)
  • Utilize Mobile Wallet – a fast and secure way to keep pace with your lifestyle(14)
  • Gain access to your account information 24 hours a day with just a quick call to our InfoLine at 1-888-797-7711
  • Accounts in good standing after one year, with no overdrafts or bad checks, are eligible to transfer to one of our standard checking accounts. (12)
  • Bill Pay is not available with this product
Requirements & Fees


  • Minimum opening deposit: $50
  • Must not have a significant ChexSystem history(12)


  • Monthly service charge:
    • $10.00 regardless of balance
  • Monthly statements:(4)
    • Itemized monthly paper statements without images
  • Checks are to be paid for by the account holder
  • Bill Pay not available with this product

Find a Location

You are leaving

You have clicked on a link to a third-party website and are leaving the BancorpSouth website. BancorpSouth does not control third-party web sites or the information, products and services offered there. BancorpSouth provides links to such sites only as a convenience and is not responsible for the privacy or security of any third-party website. We encourage you to review the privacy policy and security offered on the third-party website prior to providing any personal information.

× ProceedCancel